Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). AmeriServ Financial's share price for the quarter that ended in Jun. 2026 was $3.88. AmeriServ Financial's Shares Outstanding (EOP) for the quarter that ended in Jun. 2026 was 16.96 Mil. Therefore, AmeriServ Financial's market cap for the quarter that ended in Jun. 2026 was $65.82 Mil.
AmeriServ Financial's quarterly market cap
increased
from Dec. 2025 ($52.71 Mil) to Mar. 2026 ($61.41 Mil) and
increased
from Mar. 2026 ($61.41 Mil) to Jun. 2026 ($65.82 Mil).
AmeriServ Financial's annual market cap
declined
from Dec. 2023 ($55.47 Mil) to Dec. 2024 ($44.27 Mil) but then
increased
from Dec. 2024 ($44.27 Mil) to Dec. 2025 ($52.71 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. AmeriServ Financial's Enterprise Value for Today is $160.44 Mil.
AmeriServ Financial (NAS:ASRV) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
AmeriServ Financial Market Cap Related Terms
AmeriServ Financial Market Cap Historical Data
* Premium members only.
The historical data trend for AmeriServ Financial's Market Cap can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, AmeriServ Financial's Market Cap, along with its competitors' market caps and Market Cap data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AmeriServ Financial Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, AmeriServ Financial's Market Cap distribution charts can be found below:
* The bar in red indicates where AmeriServ Financial's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
AmeriServ Financial's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AmeriServ Financial (ASRV) has a Market Cap of $85.58 Mil as of Sep. 07, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on AmeriServ Financial and its competitors. According to the industry distribution chart, AmeriServ Financial ranks #1306 out of 1537 companies in the Banks industry, placing it in the top 85%.
Is AmeriServ Financial's Market Cap too high?
AmeriServ Financial's current Market Cap is $85.58 Mil. The Banks industry median Market Cap is 766.96. AmeriServ Financial's value of $85.58 Mil is 88.8% below this industry median. Based on the distribution chart, AmeriServ Financial ranks #1306 out of 1537 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, AmeriServ Financial has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AmeriServ Financial's Market Cap compare to PBKX and FBSI?
According to the Banks industry distribution chart, AmeriServ Financial ranks #1306 out of 1537 companies for Market Cap. This places AmeriServ Financial in the lower half of its industry. The industry median Market Cap is 766.96. AmeriServ Financial's value of $85.58 Mil is 88.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 766.96, based on 1,537 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AmeriServ Financial's current Market Cap of $85.58 Mil is 88.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on AmeriServ Financial and its competitors. For the Banks industry, the median Market Cap is 766.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AmeriServ Financial's current Market Cap is $85.58 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AmeriServ Financial stock overvalued right now?
Based on GuruFocus' analysis, AmeriServ Financial (ASRV) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.30, compared to a current price of $5.04 — trading 52.7% above its estimated fair value. The current Market Cap is $85.58 Mil and 88.8% below the Banks industry median of 766.96. AmeriServ Financial's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Market Cap calculated?
Market Cap is calculated from a company's financial statements. For AmeriServ Financial (ASRV), the current Market Cap is $85.58 Mil as of Sep. 07, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AmeriServ Financial (ASRV) Overvalued in 2026?
Based on GuruFocus' analysis, AmeriServ Financial stock appears to be overvalued.
The current stock price of $5.04 is trading 52.7% above its estimated GF Value™ of $3.30.
GuruFocus considers AmeriServ Financial to be Significantly Overvalued.
Key valuation signals for ASRV:
Market Cap: $85.58 Mil
GF Value™: $3.30 vs. price of $5.04 (52.7% above fair value)
Industry Position: 88.8% below the Banks median (#1306 of 1537)
No single metric tells the full story. See the ASRV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AmeriServ Financial Inc is a bank holding company. The company and its subsidiaries derive substantially all of their income from banking, bank-related services, and trust-related services. Its operating segment includes community banking and it generates maximum revenue. The community banking segment includes both retail and commercial banking activities. The company also offers retail banking which includes the deposit-gathering branch franchise and lending to both individuals and small businesses; Lending activities include residential mortgage loans, direct consumer loans, and small business commercial loans; Commercial banking to businesses includes commercial loans, business services, and CRE loans.
55GF Score
Get the complete analysis for ASRV
Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ASRV has been successfully added to your 
